Delegate verifies a user's financial reality. It connects their real bank account through Plaid, scores it, and returns an allow, review, or block verdict in under a second. Documents, faces, behavioral signals, and metadata are all getting cheaper to fake. A real bank account with real payroll history and transaction depth is not.
A user reaches a moment that matters. Signup, first deposit, or a withdrawal above a threshold. Delegate replaces "trust the form" with "verify the bank." The user picks their bank, signs in to it, and Delegate scores what they actually have.
Every conventional verification signal is degrading because AI can fake it. A clean email is free. An AI-generated face passes document and selfie KYC for nothing. A working SSN fragment costs a few dollars on a leak market. Behavioral and device signals like mouse movement, typing cadence, and device entropy are reproducible by an agent for pennies. Documents, biometrics, behavior, metadata. All of it is getting cheaper to fake.
What is still expensive is a real bank account in your name, with months of payroll deposits, that matches the name you signed up with. That takes a real job, real time, and real provenance. It does not scale to attack tens of fintechs at once.
Delegate's bet is simple. Verify the part of fraud that has not gotten cheap. Synthetic identities do not survive the test because they cannot afford to.
Other fraud tools log decisions like engineers do — messy timestamps, free-form reasons, cobbled together at audit time. Delegate logs them like compliance officers do — structured, immutable, mapped to the frameworks your auditor already trusts.
The Acme Invest demo runs verifications through the same scoring engine your customers will hit. Five scenarios, instant verdicts, no signup.